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bencoleman
LSU Fan
Monterey
Member since Feb 2009
37443 posts

Insurance questions after being rear ended.
I was rear ended on I10 at Essen the week before last. The impact caused me to hit the car in front of me. Thus I have damage front and back.

I'm almost into the last year of paying for the car. The lady at the collision center said that the car will probably be totaled. She said my car is worth about a thousand more than I owe on it.

So I guess somebody gets to destroy my car, hand me a thousand dollar check and walk away smiling. Oh hell no.

The car has 70,000 miles on it without a scratch anywhere and it's worth less than half of what I paid for it.

Anybody with any experience in this field I would appreciate your input. This just doesn't seem fair. I'm not in a position to go finance another car.


chinhoyang
LSU Fan
Member since Jun 2011
15406 posts

re: Insurance questions after being rear ended.
quote:

Insurance questions after being rear ended


Do you cover light bulb and/or gerbil removal?
This post was edited on 5/13 at 6:59 pm


LurkerTooLong
New Orleans Saints Fan
Lakeview, NOLA
Member since Aug 2016
479 posts
 Online 

re: Insurance questions after being rear ended.
Make/model etc?


BRgetthenet
USA Fan
Member since Oct 2011
110622 posts

re: Insurance questions after being rear ended.
Apologize, you frickin scumbag.


Right now.


HarveyBanger
Member since Mar 2018
316 posts

re: Insurance questions after being rear ended.
I’ve done some adjusting for the bigger insurance companies. Which one are you dealing with?

As far as your vehicle, if it totals they are only paying you what’s it’s worth. The actual cash value. Not what Kelly blue book says it’s with. Just be happy your not upside down


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130
bee Rye
Chicago Cubs Fan
New orleans
Member since Jan 2006
30233 posts
 Online 

re: Insurance questions after being rear ended.
You have the option of getting it fixed and having a salvaged title


BRgetthenet
USA Fan
Member since Oct 2011
110622 posts

re: Insurance questions after being rear ended.
FTR, the OP is the last person that needs or deserves this shite.

This is the sort of thing OWEO or some other frickin loser should have happen to him. Not bencoleman.


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1813
Jack Bauers HnK
LSU Fan
Baton Rouge
Member since Jul 2008
3584 posts
 Online 

re: Insurance questions after being rear ended.
Get some evidence that your car is worth more and negotiate. Who you going to find that would have paid what you think the car was worth before it was wrecked?


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11
Spankum
LSU Fan
Miss-sippi
Member since Jan 2007
49278 posts

re: Insurance questions after being rear ended.
unfortunately, that is the shite that happens sometimes. what is really bad is when you don't get enough to pay off the car.


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51
Dissident Aggressor
LSU Fan
Member since Aug 2011
1009 posts

re: Insurance questions after being rear ended.
Get a 3rd party estimate to repair the vehicle.
If the estimate is within reason,
Let the insurance company total the car and pay you.
You buy vehicle back from insurance company for little to nothing.
Have it repaired, you win biggly...


SEClint
New Orleans Saints Fan
Bywater
Member since Nov 2006
25430 posts

re: Insurance questions after being rear ended.
quote:

Apologize, you frickin scumbag. 


If I had a dime for everytime I heard this..


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90
fallguy_1978
LSU Fan
Half mile from St George
Member since Feb 2018
14122 posts
 Online 

re: Insurance questions after being rear ended.
I think you can get it fixed and just drive it with a salvaged title.


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40
The Mick
LSU Fan
Member since Oct 2010
38206 posts

re: Insurance questions after being rear ended.
Call Morris Bart - not kidding.


HarveyBanger
Member since Mar 2018
316 posts

re: Insurance questions after being rear ended.
quote:

ou have the option of getting it fixed and having a salvaged title


Not if he has a lien on it. Bank won’t sign off on him keeping it unless they are paid in full


theantiquetiger
LSU Fan
Paid Premium Member Plus
Member since Feb 2005
11320 posts
 Online 

re: Insurance questions after being rear ended.
Maybe a shitty way to do it but tell them your back hurts. frick that insurance company


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263
Pintail
LSU Fan
Member since Nov 2011
4249 posts

re: Insurance questions after being rear ended.
quote:

Get a 3rd party estimate to repair the vehicle.
If the estimate is within reason,
Let the insurance company total the car and pay you.
You buy vehicle back from insurance company for little to nothing.
Have it repaired, you win biggly...


Isn’t there an issue with doing this in Louisiana. Something along the lines of a salvage title and getting it registered/street legal.


HarveyBanger
Member since Mar 2018
316 posts

re: Insurance questions after being rear ended.
quote:

Call Morris Bart - not kidding


Your what’s wrong with our state


dgnx6
LSU Fan
Baton Rouge
Member since Feb 2006
36175 posts

re: Insurance questions after being rear ended.
I got more than what I paid for mine. Are you at fault for hitting the car in front? Usually that would mean you were also following too close.


The Mick
LSU Fan
Member since Oct 2010
38206 posts

re: Insurance questions after being rear ended.
You are


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21
Evil Little Thing
LSU Fan
Bayou Corne sinkhole
Member since Jul 2013
8907 posts

re: Insurance questions after being rear ended.
quote:

Not if he has a lien on it. Bank won’t sign off on him keeping it unless they are paid in full


Presumably, this is why he’s only getting $1,000. The rest of the value is going to pay off the bank.


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